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Ally Financial Inc.（ALLY）与BOSTON BEER CO INC（SAM）财务数据对比。点击上方公司名可切换其他公司
BOSTON BEER CO INC的季度营收约是Ally Financial Inc.的1.3倍（$385.7M vs $301.0M），Ally Financial Inc.净利率更高（108.6% vs -5.8%，领先114.5%），Ally Financial Inc.同比增速更快（-3.2% vs -4.1%），过去两年Ally Financial Inc.的营收复合增速更高（11.1% vs -4.9%）
Ally Financial Inc.是注册于美国特拉华州、总部位于密歇根州底特律的银行控股企业，业务覆盖汽车金融、直营银行线上服务、企业贷款、车辆保险、住房抵押贷款，以及分期销售、租赁协议等相关配套融资服务。
波士顿啤酒公司是美国知名酿酒企业，1984年由吉姆·科赫与朗达·卡尔曼联合创立。旗下首款产品以美国开国元勋、独立运动先驱塞缪尔·亚当斯命名，后续陆续推出多个自有品牌，2019年正式完成与角鲨头酿酒厂的合并，是北美精酿啤酒行业的核心参与者之一。
ALLY vs SAM — 直观对比
营收规模更大
SAM
是对方的1.3倍
$301.0M
营收增速更快
ALLY
高出0.9%
-4.1%
净利率更高
ALLY
高出114.5%
-5.8%
两年增速更快
ALLY
近两年复合增速
-4.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $301.0M | $385.7M |
| 净利润 | $327.0M | $-22.5M |
| 毛利率 | — | 43.5% |
| 营业利润率 | — | -8.6% |
| 净利率 | 108.6% | -5.8% |
| 营收同比 | -3.2% | -4.1% |
| 净利润同比 | 333.6% | 41.9% |
| 每股收益（稀释后） | $0.97 | $-1.97 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收ALLYSAM
| Q4 25 | $301.0M | $385.7M | ||
| Q3 25 | $308.0M | $537.5M | ||
| Q2 25 | $312.0M | $587.9M | ||
| Q1 25 | $323.0M | $453.9M | ||
| Q4 24 | $311.0M | $402.3M | ||
| Q3 24 | $319.0M | $605.5M | ||
| Q2 24 | $324.0M | $579.1M | ||
| Q1 24 | $244.0M | $426.1M |
净利润ALLYSAM
| Q4 25 | $327.0M | $-22.5M | ||
| Q3 25 | $398.0M | $46.2M | ||
| Q2 25 | $352.0M | $60.4M | ||
| Q1 25 | $-225.0M | $24.4M | ||
| Q4 24 | $-140.0M | $-38.8M | ||
| Q3 24 | $357.0M | $33.5M | ||
| Q2 24 | $294.0M | $52.3M | ||
| Q1 24 | $157.0M | $12.6M |
毛利率ALLYSAM
| Q4 25 | — | 43.5% | ||
| Q3 25 | — | 50.8% | ||
| Q2 25 | — | 49.8% | ||
| Q1 25 | — | 48.3% | ||
| Q4 24 | — | 39.9% | ||
| Q3 24 | — | 46.3% | ||
| Q2 24 | — | 46.0% | ||
| Q1 24 | — | 43.7% |
营业利润率ALLYSAM
| Q4 25 | — | -8.6% | ||
| Q3 25 | — | 11.5% | ||
| Q2 25 | — | 14.0% | ||
| Q1 25 | -87.9% | 7.4% | ||
| Q4 24 | 56.3% | -13.9% | ||
| Q3 24 | 73.0% | 7.6% | ||
| Q2 24 | 79.3% | 12.2% | ||
| Q1 24 | 70.1% | 3.6% |
净利率ALLYSAM
| Q4 25 | 108.6% | -5.8% | ||
| Q3 25 | 129.2% | 8.6% | ||
| Q2 25 | 112.8% | 10.3% | ||
| Q1 25 | -69.7% | 5.4% | ||
| Q4 24 | -45.0% | -9.6% | ||
| Q3 24 | 111.9% | 5.5% | ||
| Q2 24 | 90.7% | 9.0% | ||
| Q1 24 | 64.3% | 3.0% |
每股收益（稀释后）ALLYSAM
| Q4 25 | $0.97 | $-1.97 | ||
| Q3 25 | $1.18 | $4.25 | ||
| Q2 25 | $1.04 | $5.45 | ||
| Q1 25 | $-0.82 | $2.16 | ||
| Q4 24 | $-0.54 | $-3.23 | ||
| Q3 24 | $1.06 | $2.86 | ||
| Q2 24 | $0.86 | $4.39 | ||
| Q1 24 | $0.42 | $1.04 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $10.0B | $223.4M |
| 总债务越低越好 | $17.1B | — |
| 股东权益账面价值 | $15.5B | $846.3M |
| 总资产 | $196.0B | $1.2B |
| 负债/权益比越低杠杆越低 | 1.10× | — |
8季度趋势，按日历期对齐
现金及短期投资ALLYSAM
| Q4 25 | $10.0B | $223.4M | ||
| Q3 25 | $10.2B | $250.5M | ||
| Q2 25 | $10.6B | $212.4M | ||
| Q1 25 | $10.4B | $152.5M | ||
| Q4 24 | $10.3B | $211.8M | ||
| Q3 24 | $8.6B | $255.6M | ||
| Q2 24 | $7.4B | $219.3M | ||
| Q1 24 | $8.2B | $205.4M |
总债务ALLYSAM
| Q4 25 | $17.1B | — | ||
| Q3 25 | $16.7B | — | ||
| Q2 25 | $15.9B | — | ||
| Q1 25 | $16.5B | — | ||
| Q4 24 | $17.5B | — | ||
| Q3 24 | $16.8B | — | ||
| Q2 24 | $16.0B | — | ||
| Q1 24 | $17.0B | — |
股东权益ALLYSAM
| Q4 25 | $15.5B | $846.3M | ||
| Q3 25 | $15.1B | $911.0M | ||
| Q2 25 | $14.5B | $912.3M | ||
| Q1 25 | $14.2B | $897.0M | ||
| Q4 24 | $13.9B | $916.2M | ||
| Q3 24 | $14.7B | $1.0B | ||
| Q2 24 | $13.9B | $1.0B | ||
| Q1 24 | $13.7B | $1.0B |
总资产ALLYSAM
| Q4 25 | $196.0B | $1.2B | ||
| Q3 25 | $191.7B | $1.2B | ||
| Q2 25 | $189.5B | $1.3B | ||
| Q1 25 | $193.3B | $1.2B | ||
| Q4 24 | $191.8B | $1.3B | ||
| Q3 24 | $193.0B | $1.4B | ||
| Q2 24 | $192.5B | $1.4B | ||
| Q1 24 | $192.9B | $1.4B |
负债/权益比ALLYSAM
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.11× | — | ||
| Q2 25 | 1.09× | — | ||
| Q1 25 | 1.16× | — | ||
| Q4 24 | 1.26× | — | ||
| Q3 24 | 1.14× | — | ||
| Q2 24 | 1.15× | — | ||
| Q1 24 | 1.25× | — |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $640.0M | $39.9M |
| 自由现金流经营现金流 - 资本支出 | — | $22.1M |
| 自由现金流率自由现金流/营收 | — | 5.7% |
| 资本支出强度资本支出/营收 | — | 4.6% |
| 现金转化率经营现金流/净利润 | 1.96× | — |
| 过去12个月自由现金流最近4个季度 | — | $215.6M |
8季度趋势，按日历期对齐
经营现金流ALLYSAM
| Q4 25 | $640.0M | $39.9M | ||
| Q3 25 | $1.2B | $101.8M | ||
| Q2 25 | $947.0M | $126.5M | ||
| Q1 25 | $940.0M | $1.9M | ||
| Q4 24 | $620.0M | $41.9M | ||
| Q3 24 | $992.0M | $115.9M | ||
| Q2 24 | $1.6B | $96.0M | ||
| Q1 24 | $1.3B | $-4.9M |
自由现金流ALLYSAM
| Q4 25 | — | $22.1M | ||
| Q3 25 | — | $89.2M | ||
| Q2 25 | — | $112.2M | ||
| Q1 25 | — | $-8.0M | ||
| Q4 24 | — | $18.4M | ||
| Q3 24 | — | $99.2M | ||
| Q2 24 | — | $75.6M | ||
| Q1 24 | — | $-20.6M |
自由现金流率ALLYSAM
| Q4 25 | — | 5.7% | ||
| Q3 25 | — | 16.6% | ||
| Q2 25 | — | 19.1% | ||
| Q1 25 | — | -1.8% | ||
| Q4 24 | — | 4.6% | ||
| Q3 24 | — | 16.4% | ||
| Q2 24 | — | 13.1% | ||
| Q1 24 | — | -4.8% |
资本支出强度ALLYSAM
| Q4 25 | — | 4.6% | ||
| Q3 25 | — | 2.3% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | — | 2.2% | ||
| Q4 24 | — | 5.8% | ||
| Q3 24 | — | 2.8% | ||
| Q2 24 | — | 3.5% | ||
| Q1 24 | — | 3.7% |
现金转化率ALLYSAM
| Q4 25 | 1.96× | — | ||
| Q3 25 | 3.02× | 2.21× | ||
| Q2 25 | 2.69× | 2.09× | ||
| Q1 25 | — | 0.08× | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.78× | 3.46× | ||
| Q2 24 | 5.36× | 1.83× | ||
| Q1 24 | 8.54× | -0.39× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
ALLY
| Noninsurance Contracts | $242.0M | 80% |
| Brokerage Commissionsand Other | $21.0M | 7% |
| Commercial Portfolio Segment | $19.0M | 6% |
| Other | $13.0M | 4% |
| Banking Fees And Interchange Income | $5.0M | 2% |
| Brokered Agent Commissions | $1.0M | 0% |
SAM
暂无分部数据
